Upstart Holdings [UPST] vs FirstCash Holdings [FCFS] Detailed Stock Comparison

Upstart Holdings

NASDAQ

FirstCash Holdings

NASDAQ

TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Upstart Holdings wins in 3 metrics, FirstCash Holdings wins in 15 metrics, with 0 ties. FirstCash Holdings appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	Upstart Holdings	FirstCash Holdings	Better
P/E Ratio (TTM)	-44.51	21.33	Upstart Holdings
Price-to-Book Ratio	8.53	2.87	FirstCash Holdings
Debt-to-Equity Ratio	212.94	94.52	FirstCash Holdings
PEG Ratio	0.41	0.92	Upstart Holdings
EV/EBITDA	1,323.82	13.52	FirstCash Holdings
Profit Margin (TTM)	-0.72%	8.61%	FirstCash Holdings
Operating Margin (TTM)	4.65%	12.67%	FirstCash Holdings
EBITDA Margin (TTM)	4.65%	12.67%	FirstCash Holdings
Return on Equity	-0.96%	14.17%	FirstCash Holdings
Return on Assets (TTM)	-0.49%	6.97%	FirstCash Holdings
Free Cash Flow (TTM)	$176.34M	$471.71M	FirstCash Holdings
1-Year Return	46.62%	16.12%	Upstart Holdings
Price-to-Sales Ratio (TTM)	6.97	1.81	FirstCash Holdings
Enterprise Value	$7.30B	$8.06B	FirstCash Holdings
EV/Revenue Ratio	8.25	2.38	FirstCash Holdings
Gross Profit Margin (TTM)	N/A	49.70%	N/A
Revenue per Share (TTM)	$10	$76	FirstCash Holdings
Earnings per Share (Diluted)	$-0.05	$6.49	FirstCash Holdings
Beta (Stock Volatility)	2.39	0.68	FirstCash Holdings

Performance

Key Stats

Valuation

Financials

Short Interest

Dividends

Upstart Holdings vs FirstCash Holdings Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
Upstart Holdings	-5.69%	-2.89%	-19.69%	29.72%	-25.91%	1.28%
FirstCash Holdings	-0.59%	-0.64%	4.65%	7.40%	18.52%	34.16%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
Upstart Holdings	46.62%	144.27%	39.67%	39.67%	39.67%	39.67%
FirstCash Holdings	16.12%	76.86%	127.22%	245.54%	470.61%	1,078.34%

Performance Comparison

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FirstCash Holdings (FCFS): View Full Stock Overview

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Key Performance Metrics Available:

Daily, weekly, monthly, and yearly returns
52-week high and low prices
Market capitalization and valuation ratios
Financial health and profitability metrics
Dividend history and yield information

Performance & Financial Health Analysis: Upstart Holdings vs FirstCash Holdings

Metric	UPST	FCFS
Market Information
Market Cap i	$6.17B	$6.14B
Market Cap Category	Mid cap	Mid cap
10 Day Avg. Volume i	9,857,290	261,950
90 Day Avg. Volume i	7,033,197	335,780
Last Close	$61.58	$137.63
52 Week Range	$31.40 - $96.43	$100.24 - $141.56
% from 52W High	-36.13%	-2.78%
All-Time High	$401.49 (Oct 11, 2021)	$141.56 (Aug 14, 2025)
% from All-Time High	-84.66%	-2.78%
Growth Metrics
Quarterly Revenue Growth	0.91%	-0.01%
Quarterly Earnings Growth	1.02%	0.22%
Financial Health
Profit Margin (TTM) i	-0.01%	0.09%
Operating Margin (TTM) i	0.05%	0.13%
Return on Equity (TTM) i	-0.01%	0.14%
Debt to Equity (MRQ) i	212.94	94.52
Cash & Liquidity
Book Value per Share (MRQ)	$7.51	$48.24
Cash per Share (MRQ)	$4.16	$2.29
Operating Cash Flow (TTM) i	$-65,234,000	$554.73M
Levered Free Cash Flow (TTM) i	$-223,471,008	$576.17M
Dividends
Last 12-Month Dividend Yield i	N/A	N/A
Last 12-Month Dividend i	N/A	N/A

Valuation & Enterprise Metrics Analysis: Upstart Holdings vs FirstCash Holdings

Metric	UPST	FCFS
Price Ratios
P/E Ratio (TTM) i	-44.51	21.33
Forward P/E i	168.66	17.48
PEG Ratio i	0.41	0.92
Price to Sales (TTM) i	6.97	1.81
Price to Book (MRQ) i	8.53	2.87
Market Capitalization
Market Capitalization i	$6.17B	$6.14B
Enterprise Value i	$7.30B	$8.06B
Enterprise Value Metrics
Enterprise to Revenue i	8.25	2.38
Enterprise to EBITDA i	1,323.82	13.52
Risk & Other Metrics
Beta i	2.39	0.68
Book Value per Share (MRQ) i	$7.51	$48.24

Financial Statements Comparison: Upstart Holdings vs FirstCash Holdings

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)	UPST	FCFS
Revenue/Sales i	$213.37M	$836.42M
Cost of Goods Sold i	N/A	$412.22M
Gross Profit i	N/A	$424.20M
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	$135.59M
EBITDA i	N/A	$253.46M
Pre-Tax Income i	$-2.42M	$111.22M
Income Tax i	$29,000	$27.63M
Net Income (Profit) i	$-2.45M	$83.59M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)	UPST	FCFS
Cash & Equivalents i	$605.37M	$146.03M
Total Current Assets i	N/A	$1.33B
Total Current Liabilities i	N/A	$301.89M
Long-Term Debt i	$1.25B	$1.94B
Total Shareholders Equity i	$676.64M	$2.06B
Retained Earnings i	$-413.60M	$1.48B
Property, Plant & Equipment i	$40.56M	$1.05B

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)	UPST	FCFS
Operating Cash Flow i	$35.13M	$83.67M
Capital Expenditures i	$0	$-12.91M
Free Cash Flow i	$-19.65M	$113.73M
Debt Repayment i	$-133.73M	$-129.00M
Common Stock Repurchase i	N/A	$-59.61M

Short Interest & Institutional Ownership Analysis

Metric	UPST	FCFS
Shares Short i	17.53M	607,370
Short Ratio i	3.10	1.80
Short % of Float i	0.21%	0.02%
Average Daily Volume (10 Day) i	9,857,290	261,950
Average Daily Volume (90 Day) i	7,033,197	335,780
Shares Outstanding i	93.47M	44.75M
Float Shares i	84.17M	39.12M
% Held by Insiders i	0.12%	0.12%
% Held by Institutions i	0.66%	0.89%

Dividend Analysis & Yield Comparison: Upstart Holdings vs FirstCash Holdings

Metric	UPST	FCFS
Last 12-Month Dividend i	N/A	N/A
Last 12-Month Dividend Yield i	N/A	N/A
3-Year Avg Annual Dividend i	N/A	N/A
3-Year Avg Dividend Yield i	N/A	N/A
3-Year Total Dividends i	N/A	N/A
Ex-Dividend Date	N/A	N/A

Upstart Holdings [UPST] vs FirstCash Holdings [FCFS] Detailed Stock Comparison